Can I max out a new 401k right now and receive the tax benefits when I file for 2024? My partner just received very large bonus for the first time. (She’s now a full partner at her practice) and I’m working my way through the “managing a windfall” flowchart. I’m stuck on 401k’s. Up until now, we have only been contributing the minimum for her employer match amount, and we haven’t touched mine because my employer does not match, …

Short-Form Video Dominance: The Future Of Engagement In Social Media via @sejournal, @donutcaramel13 Short-form videos are here to stay. Explore the opportunities for businesses on TikTok, Instagram Reels, and YouTube Shorts. The post Short-Form Video Dominance: The Future Of Engagement In Social Media appeared first on Search Engine Journal.

Meta Threads Takes the Next Step By Launching Ads via @sejournal, @brookeosmundson Meta tests image ads on Threads, offering new opportunities for advertisers. Learn why this matters, how it works, and what brands should do now. The post Meta Threads Takes the Next Step By Launching Ads appeared first on Search Engine Journal.

Roth IRA + Income question I believe the 2025 income limits for married couples is $236,000. (I know it goes up to $246,000 in some prorated fashion). This is for MAGI which as I understand it is income + (interest 1099’s) – 401k/TSP contributions – HSA contributions – medical premiums – dental premiums. So this year (2025) is first year I decided to contribute to my 401…

Never got a bill for my surgery. Kind of worried. I had surgery done a year and a half ago now and they never billed me a cent. I ran a credit check, no signs of an unpaid debt. Im a little worried about that, what do i do? submitted by /u/gonegonethanku

Fraudulent charges on debit card have started arriving at my house.. On Tuesday, my wife noticed ~$1,400 in fraudulent charges across five transactions. We immediately contacted the bank, who froze her card and started an investigation. Here’s where it gets weird: one charge was for a tire website, and today, the tires were delivered to our house. We called the non-emergency police line, filed a fraud report for …

Wondering how on track for potential retirement in 3-5 years Hi folks wanting some cold eyes review. I’ve talked to a couple financial advisors and don’t find them super helpful honestly. Sorta canned answers. I’m 55. My company is shipping us all from SF bay area to Tennessee and I really don’t want to move due to my whole family being here so thinking to get laid off and get some simpler job that just …

Best way to pay for upcoming expense? (20k) Hi All, Just found out the other day that our boiler is cracked and needs to be replaced. We are based in the New England are so we have very cold winters. We currently have an oil tank but are using this to switch from Oil to Gas to prevent any future liability with oil tank. The estimated cost of this is around 20k. I currently have a chase sa…

One hefty credit card or a few smaller ones? Just finishing up paying down some debt I incurred on a few credit cards. Dumb spending from when I was a little younger, but as a result my credit is actually super high. I have 3 cards as of rn. I wanna get rid of at least one, possibly two. Is it smart to get one card (or maybe 2) with a credit limit that is as high or higher than the 3 combi…

Help me assess my risk I’m 44, married, 3 kids. My wife earns very low income and I’m at around 120k. We are both in very recession-dependent sectors. As a result we have always been risk- and debt-averse so we don’t get caught unable to pay our bills. As of 3 years ago, we have no debt. We are good savers and have built up 500k but it’s just sitting in HYSA. This was…

Refinancing Auto Loan: Confused EDIT: question answered – I got the length of loan wrong and it’s actually 84. I’ll leave this post here if someone else needs info in the future. My husband and I bought a 2023 truck in Nov 2023 at 8.89% (!!!!) and we’re looking to refinance. Just stopped by some credit unions today to check our rates and they’ll obviously be much better, but w…

Wife is getting a $3,000 lump sum bonus from her employer. We’d like to make the most of it, but at the end of the day, does it really matter where it goes? We don’t have any emergent needs to need the money right now, but we’re just looking at what we can do with it Cash options: We take a cash payout. Lose $1,000 in taxes, keep $2,000. We put the whole amount into the HSA. Keep all 3,000, but then reduce the amount we pay into the HSA next year. So we still lose the $1,000, just spread out over n…

After Emergency Fund, Do People Invest Most of Their Income? I’m 32, but I did not grow up in the states, and my parents have never invested in the stock market, so I’m not sure what is good financial advice / typical practice. I max out my 401(k) and my IRA, and I have an emergency fund of around 6 months of expenses. I do not plan on buying a house / car / similar big purchases within the next 5 years. …

529 to Roth IRA Rollover Questions I’m in the fortunate position to have approximately $6,400 left over in a 529 account that I’m the beneficiary of. My parents financial advisor gave them some (seemingly) incorrect information and I’m trying to determine what my next steps are. -The advisor wanted to open a new 529 account with me as the owner. I’m currently the beneficiary on …

What to do with my retired parents money My mom is 81, and she has a federal gov. pension and around $850k in the market in various ETF’s, Mutual Funds and individual stocks. These investments have obviously done well over the past few years but I’m concerned about a market correction and her losing a sizeable amount of this. She’s in an independent community and will likely need assis…

Donald Trump once tried to ban TikTok. Now can he save it? To keep the app alive in America, he must persuade China to sell up

Germans are world champions of calling in sick It’s easy and it pays well

Knowing what your colleagues earn The pros and cons of greater pay transparency

Does Google Favor UGC? Reddit Leads In Search Growth via @sejournal, @MattGSouthern Reddit leads in search visibility growth, according to a SISTRIX report, raising questions about Google’s preferences for user-generated content (UGC). The post Does Google Favor UGC? Reddit Leads In Search Growth appeared first on Search Engine Journal.

Is it ever okay to dip into your emergency fund for non-emergencies? I’ve been building my emergency fund for a few years now, and it’s finally at a solid six months’ worth of expenses. It gives me peace of mind knowing it’s there for true emergencies, like job loss or unexpected medical bills. Recently, though, I’ve been tempted to dip into it for something that’s not really an emergency but feels like a worthw…